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Floridacentral’s First-Time Homebuyers Program helps eligible buyers purchase their first home with down payments as low as 3%, access to down payment and closing cost assistance programs, and guidance from prequalification through closing.
Floridacentral’s First-Time Homebuyers Program is designed to make buying your first home more accessible, with down payments as low as 3%, access to eligible down payment and closing cost assistance programs, guidance throughout the mortgage process, and available Legends Loans Program rate discounts for qualifying borrowers.
For this program, a first-time homebuyer is someone who has not owned a home within the past three years.
Whether you’re planning for tomorrow, buying a home, or making everyday financial decisions, Floridacentral offers the resources and guidance to help you move forward with confidence.
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Have questions about buying your first home? We’re here to help.
Qualified borrowers may be able to purchase a home with as little as 3% down. Your required down payment will depend on the loan program, your financial situation, and whether you’re using a down payment assistance program.
Yes. Floridacentral offers access to down payment and closing cost assistance programs for eligible borrowers. Our mortgage team can help determine which programs you may qualify for.
Credit score requirements vary depending on the mortgage program and your overall financial profile. A mortgage specialist can review your situation and help you understand your options.
Yes. Getting prequalified can help you estimate how much you may be able to borrow and establish a clearer homebuying budget before you begin shopping.
Prequalification provides an initial estimate of how much you may be able to borrow based on the financial information you provide. Preapproval generally involves a more detailed review of your income, assets, credit, and other financial information and can provide a stronger indication of your borrowing eligibility.
Every home purchase is different, but from prequalification to closing, the process can take several weeks depending on your financing, the home you’re purchasing, and the closing timeline. Our mortgage team will guide you through each step.
The Legends Loans Program offers eligible community heroes a 0.35% rate discount on qualifying consumer and mortgage loans. Ask our mortgage team whether you qualify.
Visit our Help Center for more frequently asked questions or contact our team. We’re here to answer your questions and help you navigate the path to buying your first home.
1 Primary borrower or co-borrower must be a current, retired, or veteran member of the military, law enforcement, healthcare worker, or educator. First Mortgage Loans: Maximum discount of 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. Consumer Loans: When the loan is initiated and completed directly with Floridacentral, the maximum discount is 35 bps (.35%) with a Floridacentral checking account + autopay or auto transfer. When the loan is initiated and completed at a dealership, the maximum discount is 10 bps (.10%) with a Floridacentral checking account + autopay or direct deposit on the loan. A branch visit is required to obtain the discount on indirect consumer loans. Share-secured and unsecured loans are not eligible for the Legends Loan discounts. Special 4.99% Auto Loan Refinance offer not eligible for Legends Loans discount. The Annual Percentage Rate is based on the individual applicant’s creditworthiness and the year, make, model, and mileage of the vehicle, if applicable. Existing Floridacentral loans are not eligible for these discounts. Restrictions apply. Contact us or visit floridacentralcu.com for complete details.
Approval is based on the individual’s creditworthiness. Not all will qualify. Restrictions apply. Contact us or visit floridacentralcu.com for complete details.